Porsche Boxster Insurance Quotes in Bakersfield

Insurance for Porsche BoxsterThe best way we recommend to find low-cost auto insurance rates in Bakersfield is to do an annual price comparison from providers in California. You can compare prices by following these steps.

One key aspect of rate comparisons is to use the same physical damage deductibles and liability limits on every quote request and and to get price estimates from as many auto insurance providers as possible. This guarantees an accurate price comparison and a complete rate analysis.

It’s shocking but a large majority of drivers kept their coverage with the same insurance company for at least the last four years, and just short of a majority have never even compared quotes to find lower-cost rates. California consumers could save nearly $470 each year just by getting comparison quotes, but they underestimate the large savings they would see if they moved their coverage to a different company.

We hope to instruct you on the best ways to compare prices and some tips to save money. If you have a current auto insurance policy, you should be able to lower your rates using these techniques. Drivers just have to understand the best way to shop for auto insurance using one simple form.

Lowering your Porsche Boxster insurance rates is actually quite simple. The only requirement is to invest a little time comparing rates to find out which insurance company has inexpensive Bakersfield car insurance quotes.

Comparison shopping price quotes online is easy and it makes it a waste of time to physically go to insurance agents’ offices. Quoting and buying Porsche Boxster insurance online has made agencies unnecessary unless you have a need for the professional assistance that can only be provided by a licensed insurance agent. It is possible to obtain prices from the web but have a local agent actually write the policy.

The companies in the list below are ready to provide price comparisons in California. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.

Rates and detailed analysis

The coverage table shown below showcases a range of insurance premium costs for Porsche Boxster models. Having a better idea how auto insurance prices are calculated can help you make smart choices when purchasing an auto insurance policy.

Porsche Boxster Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $478 $932 $376 $22 $112 $1,920 $160
Boxster S 2-Dr Convertible $528 $1054 $376 $22 $112 $2,092 $174
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in your specific Bakersfield location which can revise coverage prices noticeably.

Raise deductibles and save

One of the more difficult decisions when buying insurance is which deductibles should you choose. The rates shown below can help you understand the rate difference when you select higher and lower physical damage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Porsche Boxster insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $430 $780 $376 $22 $112 $1,745 $145
Boxster S 2-Dr Convertible $474 $882 $376 $22 $112 $1,891 $158
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Porsche Boxster insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $266 $490 $376 $22 $112 $1,266 $106
Boxster S 2-Dr Convertible $292 $556 $376 $22 $112 $1,358 $113
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Bakersfield garaging location which can impact premium rates greatly.

Based on the above data, using a $250 deductible costs about $42 more each month or $504 a year across all Porsche Boxster models than choosing the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 18 months between claim filings, you would come out ahead if you decide on a higher deductible. The table below shows the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $152
Average monthly premium for $1,000 deductibles (subtract): – $110
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that a higher deductible results in more money out-of-pocket when you have a physical damage claim. You will want to have enough money in the bank in order to pay the deductible for vehicle repair.

Difference between liability only and full coverage rates

The chart below shows the difference between Porsche Boxster yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no definitive guideline to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Porsche Boxster replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 annually to have full coverage, then you may need to consider dropping full coverage.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

How do I know if I need professional advice?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.Drive safe and save

These are some specific questions might help in determining if you will benefit from professional help.

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

What if I want to buy from local Bakersfield insurance agencies?

Many people prefer to sit down and talk to an agent and that is not a bad decision Professional insurance agents will help you protect your assets and will help you if you have claims. One of the best bonuses of getting free rate quotes online is the fact that you can find cheap rate quotes but still work with a licensed agent. Putting coverage with local agents is important particularly in Bakersfield.

Find insurance agent in BakersfieldTo help locate an agent, after submitting this quick form, your information is emailed to companies in Bakersfield who will return price quotes for your business. You won’t need to visit any agencies as quotes are delivered to you. If you want to quote rates from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.

Different types of Bakersfield auto insurance agents

If you are searching for a local agent, you should know the different types of agents and how they can service your needs differently. Agents may be either independent agents or exclusive agents. Both can sell affordable insurance policies, but it is a good idea to know the difference in how they write coverage because it can factor into the selection process.

Independent Insurance Agents

These agents are normally appointed by many insurers so as a result can place your coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, they simply switch companies in-house and the insured can keep the same agent.

When comparing insurance rates, you should always include rate quotes from multiple independent agents so that you have a good selection of quotes to compare.

Shown below is a short list of independent agents in Bakersfield who may be able to give you comparison quotes.

400 H StBakersfield, CA 93304(661) 326-6870View Map

4200 Truxtun Ave # 102Bakersfield, CA 93309(661) 327-8010View Map

2100 F St # 200Bakersfield, CA 93301(661) 327-9731View Map

More Bakersfield agents

Exclusive Insurance Agencies

Exclusive agencies are contracted to one company and examples are Allstate and State Farm. They usually cannot give you multiple price quotes so keep that in mind. Exclusive agencies are usually quite knowledgeable on their company’s products which can be an advantage.

Below are Bakersfield exclusive agents that are able to give price quote information.

3400 Panama Ln hBakersfield, CA 93313(661) 229-4008View Map

6649 Ming AveBakersfield, CA 93309(661) 633-2633View Map

3721 Columbus StBakersfield, CA 93306(661) 872-7770View Map

More Bakersfield agents

Picking an auto insurance agent requires you to look at more than just the quoted price. Here are some questions you should ask.